DCU Visa® Platinum Secured Credit Card

Digital Federal Credit Union, in Massachusetts and New Hampshire, has a card that can help establish or improve your credit history.

A great option for college students, this card offers lenient penalties, very few fees, and travel and online benefits. It’s also one of our picks for the Best Secured Credit Cards for Bad Credit – 2016.

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Quick View

  • Rewards

    None

  • Signup Bonus None
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 2%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 11.75% *Variable
  • Cash Advance APR 11.75% *Variable
  • Penalty APR 18.00% *Variable
  • Late Fee Up to $35
  • Returned Payment Fee See Terms

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Security

  • Optional Overdraft Protection

    If you overdraw from your DCU bank account, your card will be charged so you can avoid overdraft fees.

  • Fraud Protection

    You will not be held responsible for unauthorized use of your card.

  • Chip-and-Signature Technology

    For added protection when shopping. You can find more information on EMV technology here.

Shopping

  • Extended Warranty

    Eligible warranties can be extended by up to an additional year.

  • Visa Checkout

    Added security when shopping – use a password instead of your card number.

Travel

  • Auto Rental Collision Damage Waiver

    Collision damage or theft on auto rentals are covered if you rent the car with your card and decline the rental company’s coverage.

  • Travel Accident Insurance

    Get up to $500,000 on death and dismemberment when you use your card to purchase a common carrier ticket on any airline, train, ship, or bus.

  • Room Coverage

    If you’re late to eligible hotels, motels, and resorts, you’re guaranteed that your room remains available.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 2 reviews
by Rhonda Day
Use the Phone People

After reading the previous review from George in 2014, I decided to use the most basic form of communication known to man in order to check on the status of my application - THEIR PHONE NUMBER: 508 263 6700 or 800 328 8797. These still exist people, so please, don't forget to go to the site and click the Contact button to see if there're any numbers you can call. DO NOT RELY SOLELY ON EMAIL CORRESPONDENCES FOR ANSWERS YOU NEED.

Unfortunately l was not able to get a credit card from them due to some delinquencies in the past and the lack of credit I have (although I was under the impression that getting this card would help to establish and build my credit as this site claims ).

Must keep looking.

by George
No Response at All

I have been searching for a "Secured Credit Card" to rebuild my credit. Read many reviews about DCU Loans and their Secured Credit Card, so I went online and applied.
After not hearing anything, except an e-mail that said we have received your application and a DCU representative will contact you shortly, I sent them an e-mail.
Well, 5 days later, still haven't heard a word.
Sent a few e-mails , and not one has been answered.
Not sure if this is an old company that isn't in business anymore, or they just pick and choose who they answer?
Confusing, because most places give you an answer in about 2 minutes.
These guys..well...I'm still waiting.
Just thought I'd share my experience.

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